Research Article | | Peer-Reviewed

Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire

Received: 20 September 2025     Accepted: 10 October 2025     Published: 30 October 2025
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Abstract

Background: Timely and reliable remuneration of frontline health workers is critical for vaccination campaign performance, yet in many low- and middle-income countries cash-based disbursement remains vulnerable to delays, leakage, and inefficiencies. These weaknesses undermine accountability and create recurrent financial burdens, particularly in large-scale operations such as polio immunization campaigns. Objective: This study aimed to evaluate the cost implications of shifting from traditional cash payments to digital disbursement through mobile money during Cote d’Ivoire’s October 2023 national polio immunization campaign. Method: A partial economic evaluation was conducted using a top-down costing approach from the payer’s perspective. Data from all 113 districts and 33 regions were analyzed to compare cash-based and mobile money systems. The analysis focused on direct financial costs, including transaction fees (digital) and transport allowances or ghost worker disbursements (cash). A cost-minimization framework was applied under the assumption of equivalent immunization outputs, and deterministic sensitivity analysis was performed to test robustness. Result: Both systems disbursed the same total amount to vaccinators (397,582,460 FCFA). However, cash payments incurred additional costs of 7,820,967 FCFA in transport and 3,938,930 FCFA in ghost payments, while digital payments generated a 1% transaction fee (3,975,825 FCFA). The digital modality produced a net saving of 7,784,073 FCFA (12,435 USD), or 257 FCFA (0.41 USD) per vaccinator. Sensitivity analysis confirmed the stability of these savings across plausible parameter variations. Conclusion: Digital disbursement via mobile money offers a cost-saving and governance-enhancing alternative to cash payments in vaccination campaigns. Although the absolute savings represent less than 2% of total outlays, the benefits in efficiency, fraud reduction, and transparency are significant for health systems facing budget constraints. Cote d’Ivoire’s experience provides evidence for policymakers to consider institutionalizing digital payments to strengthen financial sustainability and support universal health coverage.

Published in Central African Journal of Public Health (Volume 11, Issue 6)
DOI 10.11648/j.cajph.20251106.11
Page(s) 335-342
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2025. Published by Science Publishing Group

Keywords

Health Care Costs, Digital Financial Services, Health Personnel, Immunization Programs, Sub-Saharan Africa, Cote d’Ivoire

References
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[2] Agur I, Peria SM, Rochon C. Digital financial services and the pandemic: Opportunities and risks for emerging and developing economies. International Monetary Fund Special Series on COVID-19, Transactions 2020; 1: 2-1.
[3] Labrique A, Vasudevan L, Weiss W, Wilson K. Establishing standards to evaluate the impact of integrating digital health into health systems. Global Health: Science and Practice 2018; 6: S5-17.
[4] Bangura JA. Saving money, saving lives: A case study on the benefits of digitizing payments to ebola response workers in sierra leone. Better Than Cash Alliance, New York 2016.
[5] Drummond M. Methods for the economic evaluation of health care programmes. Fourth edition. Oxford, United Kingdom; New York, NY, USA: Oxford University Press; 2015.
[6] Yehualashet YG, Wadda A, Agblewonu KB, Zhema T, Ibrahim AA, Corr A, et al. World Health Organization’s Innovative Direct Disbursement Mechanism for Payment of Grassroots Immunization Personnel and Operations in Nigeria: 2004-2015. The Journal of Infectious Diseases 2016; 213: S108-15.
[7] Klapper L, Singer D. The opportunities and challenges of digitizing government-to-person payments. The World Bank Research Observer 2017; 32: 211-26.
[8] World Health Organization. Seventy-first world health assembly, agenda item 12.4, digital health 2021.
[9] WHO. Mobile cash in polio response: three things to know | WHO | Regional Office for Africa. World Health Organization 2025.
[10] Gentili A, Failla G, Melnyk A, Puleo V, Tanna GLD, Ricciardi W, et al. The cost-effectiveness of digital health interventions: a systematic review of the literature. Frontiers in Public Health 2022; 10: 787135.
[11] Hamani A, Hussein Jama I, Roland MAY, Wanjeri L, Oppon-Kusi AA, Karimi D, et al. Mobile Money and the importance of timely, complete payments to frontline health campaign workers in the fight to eradicate polio: pilot experience from a World Health Organization digital payment platform in Africa. BMC Health Services Research 2023; 23: 16.
[12] Wang Y, Fekadu G, You JH. Cost-Effectiveness Analyses of Digital Health Technology for Improving the Uptake of Vaccination Programs: Systematic Review. J Med Internet Res 2023; 25: e45493.
[13] Wagaba MT, Musoke D, Opio C, Bagonza A, Aweko J, Nakitende H, et al. Do cash or digital payment modalities affect community health worker performance? - a case study of a remote refugee settlement in Western Uganda. Global Health Action 2024; 17: 2375867.
[14] World Bank. Strategic Note: Cash Transfers in Humanitarian Contexts. Washington, DC: World Bank Group; 2016.
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[16] Okereke M, Babatunde AO, Samuel ST, Ogunkola IO, Mogessie YG, Lucero-Prisno III DE. Applications of telemedicine in the supply and distribution of COVID-19 vaccines in Africa. Journal of Global Health 2021; 11: 03039.
[17] Demirgüç-Kunt A, Klapper L, Singer D, Ansar S. The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. World Bank Publications; 2022.
[18] Ford E. The potential of digital cash transfers to strengthen the link between humanitarian assistance and social protection 2017.
Cite This Article
  • APA Style

    Akani, B. C., Ano, A. K. M. N., Konan, L. G., Kouassi, R., Sokodogo, A. M., et al. (2025). Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire. Central African Journal of Public Health, 11(6), 335-342. https://doi.org/10.11648/j.cajph.20251106.11

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    ACS Style

    Akani, B. C.; Ano, A. K. M. N.; Konan, L. G.; Kouassi, R.; Sokodogo, A. M., et al. Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire. Cent. Afr. J. Public Health 2025, 11(6), 335-342. doi: 10.11648/j.cajph.20251106.11

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    AMA Style

    Akani BC, Ano AKMN, Konan LG, Kouassi R, Sokodogo AM, et al. Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire. Cent Afr J Public Health. 2025;11(6):335-342. doi: 10.11648/j.cajph.20251106.11

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  • @article{10.11648/j.cajph.20251106.11,
      author = {Bangaman Christian Akani and Ama Kounangui Marie Noelle Ano and Loukou Gilbert Konan and Roméo Kouassi and Awa Madaho Sokodogo and Ekissi Orsot Tetchi and Eugène Konan and Petronille Acray-Zengbé},
      title = {Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire
    },
      journal = {Central African Journal of Public Health},
      volume = {11},
      number = {6},
      pages = {335-342},
      doi = {10.11648/j.cajph.20251106.11},
      url = {https://doi.org/10.11648/j.cajph.20251106.11},
      eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.cajph.20251106.11},
      abstract = {Background: Timely and reliable remuneration of frontline health workers is critical for vaccination campaign performance, yet in many low- and middle-income countries cash-based disbursement remains vulnerable to delays, leakage, and inefficiencies. These weaknesses undermine accountability and create recurrent financial burdens, particularly in large-scale operations such as polio immunization campaigns. Objective: This study aimed to evaluate the cost implications of shifting from traditional cash payments to digital disbursement through mobile money during Cote d’Ivoire’s October 2023 national polio immunization campaign. Method: A partial economic evaluation was conducted using a top-down costing approach from the payer’s perspective. Data from all 113 districts and 33 regions were analyzed to compare cash-based and mobile money systems. The analysis focused on direct financial costs, including transaction fees (digital) and transport allowances or ghost worker disbursements (cash). A cost-minimization framework was applied under the assumption of equivalent immunization outputs, and deterministic sensitivity analysis was performed to test robustness. Result: Both systems disbursed the same total amount to vaccinators (397,582,460 FCFA). However, cash payments incurred additional costs of 7,820,967 FCFA in transport and 3,938,930 FCFA in ghost payments, while digital payments generated a 1% transaction fee (3,975,825 FCFA). The digital modality produced a net saving of 7,784,073 FCFA (12,435 USD), or 257 FCFA (0.41 USD) per vaccinator. Sensitivity analysis confirmed the stability of these savings across plausible parameter variations. Conclusion: Digital disbursement via mobile money offers a cost-saving and governance-enhancing alternative to cash payments in vaccination campaigns. Although the absolute savings represent less than 2% of total outlays, the benefits in efficiency, fraud reduction, and transparency are significant for health systems facing budget constraints. Cote d’Ivoire’s experience provides evidence for policymakers to consider institutionalizing digital payments to strengthen financial sustainability and support universal health coverage.
    },
     year = {2025}
    }
    

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  • TY  - JOUR
    T1  - Economic Evaluation of Mobile Payments for Health Workers in Vaccination Programs: A Case Study from Cote d’Ivoire
    
    AU  - Bangaman Christian Akani
    AU  - Ama Kounangui Marie Noelle Ano
    AU  - Loukou Gilbert Konan
    AU  - Roméo Kouassi
    AU  - Awa Madaho Sokodogo
    AU  - Ekissi Orsot Tetchi
    AU  - Eugène Konan
    AU  - Petronille Acray-Zengbé
    Y1  - 2025/10/30
    PY  - 2025
    N1  - https://doi.org/10.11648/j.cajph.20251106.11
    DO  - 10.11648/j.cajph.20251106.11
    T2  - Central African Journal of Public Health
    JF  - Central African Journal of Public Health
    JO  - Central African Journal of Public Health
    SP  - 335
    EP  - 342
    PB  - Science Publishing Group
    SN  - 2575-5781
    UR  - https://doi.org/10.11648/j.cajph.20251106.11
    AB  - Background: Timely and reliable remuneration of frontline health workers is critical for vaccination campaign performance, yet in many low- and middle-income countries cash-based disbursement remains vulnerable to delays, leakage, and inefficiencies. These weaknesses undermine accountability and create recurrent financial burdens, particularly in large-scale operations such as polio immunization campaigns. Objective: This study aimed to evaluate the cost implications of shifting from traditional cash payments to digital disbursement through mobile money during Cote d’Ivoire’s October 2023 national polio immunization campaign. Method: A partial economic evaluation was conducted using a top-down costing approach from the payer’s perspective. Data from all 113 districts and 33 regions were analyzed to compare cash-based and mobile money systems. The analysis focused on direct financial costs, including transaction fees (digital) and transport allowances or ghost worker disbursements (cash). A cost-minimization framework was applied under the assumption of equivalent immunization outputs, and deterministic sensitivity analysis was performed to test robustness. Result: Both systems disbursed the same total amount to vaccinators (397,582,460 FCFA). However, cash payments incurred additional costs of 7,820,967 FCFA in transport and 3,938,930 FCFA in ghost payments, while digital payments generated a 1% transaction fee (3,975,825 FCFA). The digital modality produced a net saving of 7,784,073 FCFA (12,435 USD), or 257 FCFA (0.41 USD) per vaccinator. Sensitivity analysis confirmed the stability of these savings across plausible parameter variations. Conclusion: Digital disbursement via mobile money offers a cost-saving and governance-enhancing alternative to cash payments in vaccination campaigns. Although the absolute savings represent less than 2% of total outlays, the benefits in efficiency, fraud reduction, and transparency are significant for health systems facing budget constraints. Cote d’Ivoire’s experience provides evidence for policymakers to consider institutionalizing digital payments to strengthen financial sustainability and support universal health coverage.
    
    VL  - 11
    IS  - 6
    ER  - 

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